2. SISDO
Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. TMFB
Please note that the information you are viewing is 107 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Smallholder Irrigation Schemes Development Organization (SISDO) P.O. Box 76622Nairobi
Data approved: 2013-06-25
Data version: 2
Age of data: 134 months
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Institution

Tameer Microfinance Bank A-15, Block 7/8 KCHS Union, Karachi 75350, PakistanKarachi75350
Data approved: 2015-04-15
Data version: 2
Age of data: 107 months
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.sisdo.org/
Year established1991
Head of InstitutionSimon Maina
Regions activeCentral, Eastern, Nairobi, Rift Valley, Western
# Branches16

Total Portfolio (nat'l)KES 302,871,417
Total Portfolio (USD)USD 3,657,867.36
Active clients with loans7,374
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.tameerbank.com
Year established2005
Head of InstitutionNadeem Hussain (CEO & President)
Regions activeAzad Kashmir, Balochistan, Khyber Pakhtunkwa, Punjab, Sindh
# Branches153

Total Portfolio (nat'l)PKR 8,701,618,309
Total Portfolio (USD)USD 85,449,891.79
Active clients with loans221,224
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsPakistan Micro Finance Network
FundersCGAP, DFID

Loan Products » Summary

Asset
504 Borrowers
USD 211,054.75 Portfolio
Active Product
Daraja
489 Borrowers
USD 660,029.66 Portfolio
Active Product
Farm Input
87 Borrowers
USD 18,298.92 Portfolio
Active Product
Inua
5,770 Borrowers
USD 2,508,645.07 Portfolio
Active Product
School Fees
214 Borrowers
USD 42,268.63 Portfolio
Active Product
Zero Grazing
242 Borrowers
USD 107,802.01 Portfolio
Active Product
Individual
37 Borrowers
USD 86,536.70 Portfolio
Low Volume Product
Emergency
5 Borrowers
USD 2,595.40 Portfolio
Low Volume Product
Maji
0 Borrowers
USD 469.89 Portfolio
Low Volume Product
Afya
21 Borrowers
USD 14,305.29 Portfolio
Low Volume Product
Mwangaza
5 Borrowers
USD 5,861.03 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Sarmaya
89,701 Borrowers
USD 55,629,473.65 Portfolio
Active Product
Karobar
38,736 Borrowers
USD 8,601,720.39 Portfolio
Active Product
Livestock
4,139 Borrowers
USD 2,797,699.21 Portfolio
Active Product
Group
67,453 Borrowers
USD 9,973,293.01 Portfolio
Active Product
Housing
2,084 Borrowers
USD 2,111,298.50 Portfolio
Active Product
Salary
18,352 Borrowers
USD 6,182,667.26 Portfolio
Active Product
Motorbike
759 Borrowers
USD 153,739.79 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Asset Financing Loan KES 20,000 - 50,000 3 - 12 40% - 60% 40% - 60% Business, Housing Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Daraja Loan KES 50,000 - 300,000 3 - 24 40% - 60% 0% - 20% Business, Only working capital Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health Insurance - optional
Farm Inputs Loan KES 5,000 - 100,000 3 - 12 40% - 60% 0% - 20% Business Women, Men, Must be a farmer Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Inua Loan KES 5,000 - 300,000 3 - 18 40% - 60% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health insurance - optional
School Fees Loan KES 3,000 - 100,000 3 - 12 60% - 80% 40% - 60% Education Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Zero Grazing Loan KES 10,000 - 300,000 3 - 18 40% - 60% 20% - 40% Agriculture, Improvement to shed, purchase of cow, chaff-cutter Women, Men, Have business, Farmers only Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Health insurance - optional

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Tameer Sarmaya Qarza (TSQ) PKR 10,000 - 150,000 3 - 12 20% - 40% 20% - 40% Business, Agriculture, Other Women, Men Credit Ins
Karobar Loan PKR 10,000 - 125,000 6 - 24 0% - 20% 60% - 80% Business Women, Men, Have business
Livestock Financing PKR 50,000 - 400,000 12 - 24 0% 100% Business Women, Men, Have business
Group Loan PKR 15,000 - 25,000 12 - 36 60% - 80% 60% - 80% Business Women, Men
House Finance PKR 20,000 - 450,000 24 - 60 0% 100% Housing, Consumer Women, Men, Have home or land Credit Ins
Salary Loan PKR 10,000 - 150,000 12 - 36 0% - 20% 100% Consumer, Other Women, Men, Salaried worker

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Asset Financing Loan 20.0% annual, Flat 1 Fee 1 Ins None 20.0% upfront 100.00 ongoing 37.6% - 38.5% 70.3% - 83.8% 26
Daraja Loan 22.0% annual, Flat 1 Fee 1 Ins None 20.0% upfront 500.00 ongoing 40.9% - 41% 73% - 119.1% 25
Farm Inputs Loan 22.0% annual, Flat 1 Fee 1 Ins None 20.0% upfront 100.00 ongoing 30.9% - 41.8% 58.3% - 148.4% 27
Inua Loan 22.0% annual, Flat 1 Fee 1 Ins None 20.0% upfront 100.00 ongoing 40.9% - 41.9% 69.4% - 113% 27
School Fees Loan 20.0% annual, Flat 1 Fee 1 Ins None 20.0% upfront 100.00 ongoing 37.6% 66.5% - 113.4% 25
Zero Grazing Loan 22.0% annual, Flat 1 Fee 1 Ins None 20.0% upfront 100.00 ongoing 39.2% - 41.8% 69.2% - 87.7% 29

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Tameer Sarmaya Qarza (TSQ) 27.0%-33.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 26% - 31.2% 26.3% - 31.9% 95
Karobar Loan 23.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 43.1% - 46.1% 43.9% - 47.4% 51
Livestock Financing 23.0%-30.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 39.3% - 48.5% 39.7% - 48.9% 52
Group Loan 22.0% annual, Flat 1 Fee 0 Ins 16.00% fees 5.0%-10.0% upfront 40.2% - 42.6% 44.7% - 49.1% 47
House Finance 19.0%-20.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 33.9% 34.2% 56
Salary Loan 18.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 32.9% - 38% 33.4% - 39.2% 49

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Asset Financing Loan 20.0% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 100.00 ongoing 37.6% - 38.5% 70.3% - 83.8% 26
Daraja Loan 22.0% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 500.00 ongoing 40.9% - 41% 73% - 119.1% 25
Farm Inputs Loan 22.0% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 100.00 ongoing 30.9% - 41.8% 58.3% - 148.4% 27
Inua Loan 22.0% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 100.00 ongoing 40.9% - 41.9% 69.4% - 113% 27
School Fees Loan 20.0% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 100.00 ongoing 37.6% 66.5% - 113.4% 25
Zero Grazing Loan 22.0% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 100.00 ongoing 39.2% - 41.8% 69.2% - 87.7% 29

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Tameer Sarmaya Qarza (TSQ) 27.0%-33.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees N/A 26% - 31.2% 26.3% - 31.9% 95
Karobar Loan 23.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees N/A 43.1% - 46.1% 43.9% - 47.4% 51
Livestock Financing 23.0%-30.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees N/A 39.3% - 48.5% 39.7% - 48.9% 52
Group Loan 22.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees 5.0%-10.0% upfront 40.2% - 42.6% 44.7% - 49.1% 47
House Finance 19.0%-20.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees N/A 33.9% 34.2% 56
Salary Loan 18.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees N/A 32.9% - 38% 33.4% - 39.2% 49
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